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Making the decision to purchase health insurance can evoke feelings of stress and anxiety in anyone, however, it can be even more stressful for people who have never had health insurance before. With the passing of the Affordable Care Act, purchasing health insurance is now a federal law. If you do not have the minimal essential coverage required by law during any portion of the year (and you do not have an exemption), then you will be required to pay a fine on your federal income tax return for that year. Taking the time to speak with a Body-Borneman agent today will help you keep as much of your money in your pocket as possible.
Avoiding the federal fine is not the only reason to purchase health insurance. How many of us have avoided regular check-ups because of a lack of health insurance? These regular check-ups are essential to monitoring our health and catching small issues before they become big ones. Physicians and other health care professionals are trained to ask questions that may indicate serious health issues. In many different forms of cancer, early detection significantly increases your chance of survival. Health insurance helps to keep these regular check-ups affordable for all of us, allowing us to live the healthiest life possible.
There have been many changes in health care laws since the passing of the Affordable Care Act. If you had previously thought about purchasing health insurance but chose not to because it was too expensive, or you were denied coverage, we encourage you to contact Body-Borneman today to discuss how the health care industry has changed. The health insurance quote that you receive today could be very different.
In previous years, it was legal in many states for women to either be charged unfeasible premiums or denied coverage all together for things such as a previous cesarean section or being a victim of domestic violence. Many women were afraid to undergo genetic testing for breast cancer for fear of being dropped from their insurance. If these situations sound familiar to you, reach out to Body-Borneman so that we can explain to you how your options have changed. Preexisting conditions now do not matter for anyone. Gender cannot affect your premium. Dependent children can be covered until the age of 26. It is likely possible for you to obtain multiple health insurance quotes that would be affordable for you.
With the current federal law in place, you cannot be denied coverage due to any factor. This is called guaranteed issue. Insurance coverage must be renewable as well. Not all health insurance is guaranteed issue. It is important to speak with a licensed agent that can explain your available options to you.
Guaranteed issue went in to effect in January of 2014. Although it is now illegal to deny coverage based on any factor, there are certain factors that will increase your premium.
Open enrollment is the time of year when individuals are able to either purchase new insurance or change their insurance plan. Even if you already have insurance, open enrollment is a great time to shop around and obtain different health insurance quotes to make sure that the plan you are on is the one that best fits your needs. There are also certain life events that, if you experience, allow you to enroll in insurance even if the open enrollment period has passed. The Pennsylvania Insurance Department reviews the changes in plans on a yearly basis. A licensed Body-Borneman agent can be your best ally in evaluating your health care coverage. We can then work with you to evaluate the health insurance quotes you receive and ultimately enroll you in the plan that best fits your needs.
Body-Borneman agents understand how easy it is to feel overwhelmed when shopping for health insurance. We serve a very loyal client base of over 17,000 customers. Many of our customers have been with us for over 40 years because of our commitment to quality service and innovation. We would be honored to help you navigate the process of finding affordable health insurance by providing you with a range of quotes from accredited providers. Contact us today to get started.